Job Description

About the company

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto 'Make Life Simple' inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.



SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.



Join us to shape the future of digital payment in India and unlock your full potential.

What's in it for YOU

1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
3. Dynamic, Inclusive and Diverse team culture
4. Gender Neutral Policy
5. Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
6. Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose

Responsible for managing Delivery RTO operations and destruction workflows, ensuring all undelivered shipments are efficiently returned and disposed of as per compliance standards. I coordinate with logistics teams, oversee documentation processes, and implement environmentally conscious destruction protocols to maintain operational excellence.

Role Accountability

1. Manage the return of undelivered credit cards to the bank, ensuring compliance with regulatory requirements.
2. Coordinate with courier services, postal authorities, and internal stakeholders to facilitate the return process.
3. Track and monitor RTO rates, identifying areas for improvement and implementing process enhancements.
4. Ensure accurate and timely updating of card status in internal systems.
5. Oversee the destruction of expired, damaged, or obsolete credit cards, ensuring compliance with regulatory requirements.
6. Coordinate with destruction vendors and internal stakeholders to facilitate the destruction process.
7. Verify the destruction of cards, ensuring that all sensitive information is securely erased.
8. Maintain accurate records of destroyed cards, including certification of destruction.
9. Continuously review and improve RTO and destruction processes, identifying opportunities for efficiency gains and cost savings.
10. Collaborate with internal stakeholders to implement process enhancements and ensure compliance with regulatory requirements.
11. Track and analyze key performance indicators (KPIs) for RTO and destruction processes, including return rates, destruction volumes, and compliance metrics.
12. Provide regular reporting to management, highlighting trends, issues, and areas for improvement.

Measures of Success

1. Minimum of return of undelivered credit cards to the bank, ensuring compliance with regulatory requirements.
2. Coordinate with courier services, postal authorities, and internal stakeholders to facilitate the return process.
3. Track and monitor RTO rates, identifying areas for improvement and implementing process enhancements.
4. Ensure accurate and timely updating of card status in internal systems
5. Destruction process should be online, Also Maintain accurate records of destroyed cards, including certification of destruction.
6. Zero Error is destruction process.

Technical Skills / Experience / Certifications

1. Understanding of CEMS - embossing systems
2. Understanding of card personalization technology and vendors Management

Competencies critical to the role

1. Analytical Ability
2. Aptitude to respond to challenging and ambiguous environment
3. Ability to synergies capabilities across functions to achieve common goals

Qualification

Graduate in any relevant discipline

Preferred Industry

FSI